If you are a Credit Expert customer you can contact the customer services team with any questions specific to your credit report.

Please log in to your account and go to the contact us page to contact the member support team.

* Monthly fee applies after trial, new customers only. You may cancel your trial anytime during the 30-day trial period without charge. Free trial period starts on registration – further ID verification may be required to access the full service which may take up to 5 days.

Explore our Help Centre

Our credit report centre is full of information on what 's in your credit report and how to improve your credit rating.

Is my credit report what lenders see?

Dear James,

Does an Experian credit report show all a person’s creditors and do companies who give credit only see the same as the Experian report

Dane, Ibstock

Dear Dane,

You’ve posed two questions there so let me take them one at a time. Firstly, your Experian credit report will show you details of all the credit agreements that the lenders we work with have shared with us over the past six years. While we work with most of the major lenders, there are a small number that don’t provide data to Experian. There are also some credit agreements that the companies we do work with don’t send to us. These are usually old agreements that can’t legally be shared because, when they were opened, the customers weren’t informed that data would be shared in this way. Having said that, our records are very comprehensive, which means that for many people their Experian credit report is fairly complete borrowing record. Moving on to your second question, there are two sides to this. The credit report you see is more comprehensive than the one lenders look at (with your permission of course) because only you see the actual names of your current and past lenders. You also see a record of all the searches of your report, regardless of the reason, whereas lenders usually only see searches carried out for credit-granting purposes. However, if you are financially linked to someone else – and your report will tell you this – then any lender checking your report may be able to view the other person’s credit history as well.

Experian Ltd is authorised and regulated by the Financial Conduct Authority. Experian Ltd is registered in England and Wales under company registration number 653331.Registered office address: The Sir John Peace Building, Experian Way, NG2 Business Park, Nottingham, NG80 1ZZ.